In this episode of Unstructured Unlocked, Doug Loots, Global Chief Revenue Officer – Insurance at Coherent, joins us to explore the challenges and opportunities of modernizing underwriting. As insurers face growing complexity, tighter margins, and rising customer expectations, many still rely on spreadsheets and fragmented tools. Doug shares his perspective on why underwriting decision-making remains stuck and how carriers can move toward API-driven solutions that scale. From cultural inertia to technical hurdles, we unpack what it takes to transform underwriting for the digital age.